,,ii ,cal5d> ,no4 #fcd #aae? ,,congress 
#b;d ,session  ,s4 #ceec  ,,9 ,,!       
,,s5ate ,,( ,,! ,,unit$ ,,/ates  ,octob]
 #e1 #bjah,mr4 ,ris* introduc$ ! foll[+ 
bill2 :i* 0 read twice & ref]r$ to !    
,committee on ,small ,bus9ess &         
,entrepr5eur%ip  ,octob] #aa1           
#bjah,report$ by ,mr4 ,ris*1 )\t am5dm5t
 & ) an am5dm5t to ! title  ,a ,,bill   
,to am5d ! ,small ,bus9ess ,act to adju/
 ! real e/ate appraisal ?re%olds "u !   
section #ejd program ( ! ,small ,bus9ess
 ,adm9i/ration to br+ ^? ?re%olds into  
l9e ) ! ?re%olds us$ by ! ,f$]al bank+  
regulators1 & = o!r purposes4  #a4 ,%ort
 title ,?is ,act may be cit$ z ! ,small 
,bus9ess ,access to ,capital &          
,effici5cy ,act or ! ,small ,bus9ess    
,,ace ,act4  #b4 ,appraisal ?re%olds    
,section #ejb7c77;,e77ii7 ( ! ,small    
,bus9ess ,inve/m5t ,act ( #aieh 7#ae    
,u4,s4,c4 #fif7c77;,e77ii77 is am5d$--  
7#a7 by r$esignat+ subclauses 7,i7 &    
7,,ii7 z items 7aa7 & 7bb71             
respectively1 & adju/+ ! m>g9s          

accord+ly2  7#b7 by /rik+ ,) respect to 
& ins]t+ ! foll[+3  7,i7 ,9 g5]al ,)    
respect to  2  7#c7 9 item 7aa71 z s    
r$esignat$1 by /rik+ is m ?an #bej1jjj &
 ins]t+ is m ?an ! ,f$]al bank+         
regulator appraisal ?re%old2  7#d7 9    
item 7bb71 z s r$esignat$1 by /rik+ is  
#bej1jjj or less & ins]t+ is n m ?an !  
,f$]al bank+ regulator appraisal        
?re%old2 &  7#e7 by add+ at ! end !     
foll[+3  7,,ii7 ,f$]al bank+ regulator  
appraisal ?re%old def9$ ,9 ?is clause1 !
 t]m ,f$]al bank+ regulator appraisal   
?re%old means ! less] ( ! ?re%old am\nts
 set by ! ,bo>d ( ,gov]nors ( ! ,f$]al  
,res]ve ,sy/em1 ! ,comptroll] ( !       
,curr5cy1 & ! ,f$]al ,deposit ,insurance
 ,corporation = :5 a f$]ally relat$     
transaction t is a comm]cial real e/ate 
transaction requires an appraisal prep>$
 by a ,/ate lic5s$ or c]tifi$ apprais]4 
4  ,am5d ! title s z to read3 ,a bill to
 am5d ! ,small ,bus9ess ,inve/m5t ,act (
 #aieh to adju/ ! real e/ate appraisal  
?re%olds "u ! section #ejd program ( !  

,small ,bus9ess ,adm9i/ration to br+ ^? 
?re%olds into l9e ) ! ?re%olds us$ by ! 
,f$]al bank+ regulators1 & = o!r        
purposes44 ,octob] #aa1 #bjah,report$   
)\t am5dm5t & ) an am5dm5t to ! title